{
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  "filters": {
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  "results": [
    {
      "rank": 1,
      "score": 52.3,
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        "nmls_id": 413597,
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            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "HI",
            "confidence": "lender_reported"
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            "state": "IA",
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "KS",
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            "state": "LA",
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          {
            "state": "MN",
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "MT",
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          {
            "state": "ND",
            "confidence": "lender_reported"
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            "state": "NE",
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          {
            "state": "NV",
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            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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            "state": "UT",
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            "state": "WA",
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          {
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            "confidence": "lender_reported"
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          {
            "state": "WY",
            "confidence": "lender_reported"
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          "state": "TX"
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        "licensed_since": {
          "year": 2017,
          "state": "TX"
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        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 8, 2017 (Texas), per state regulator"
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        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
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      },
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        "lender": {
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          "type": "broker"
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          "state": "TX"
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          "AL",
          "AR",
          "AZ",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "NH",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA"
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            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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            "state": "OK",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
            "state": "VA",
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            "confidence": "lender_reported"
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          "state": "TX"
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        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "name": "CrossCountry Mortgage",
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          "type": "imb"
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          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "KS",
          "MS",
          "NM",
          "OH",
          "OK",
          "TX",
          "UT"
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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            "state": "MS",
            "confidence": "lender_reported"
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            "state": "NM",
            "confidence": "lender_reported"
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            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
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            "evidence": "lender_page_text"
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          "state": "TX"
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        "licensed_since": {
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          "state": "TX"
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        "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-5337/james-reed/",
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        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 1, 2013 (Texas), per state regulator"
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/houston-tx-5337/james-reed/"
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          "name": "American Pacific Mortgage",
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          "type": "imb"
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          "AK",
          "AL",
          "AZ",
          "CA",
          "CT",
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          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "ME",
          "MI",
          "MO",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "WA",
          "WI"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2015-09-24",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2015,
          "state": "TX"
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        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/lindsay-witter",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/lindsay-witter"
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      "matched_specialties": [
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    {
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      "score": 45.8,
      "loan_officer": {
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        "slug": "roy-nunis-134294",
        "full_name": "Todd Nunis",
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        "json_url": "https://lendb.ai/lo/roy-nunis-134294.json",
        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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          "CA",
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          "IA",
          "IL",
          "IN",
          "KS",
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          "MA",
          "MD",
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          "MO",
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          "NC",
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          "NM",
          "NV",
          "OK",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
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        "licenses": [
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            "confidence": "lender_reported"
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "state": "IA",
            "confidence": "lender_reported"
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            "state": "KY",
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            "state": "NE",
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            "state": "NV",
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